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Get instant approval in minutes. Visit now.","topContent":[{"type":"paragraph","data":{"text":"SBI offers various personal loans to its customers with interest rates starting at <strong>11.45% p.a.<\/strong> You can visit the SBI website or the nearest branch of the bank to <a href=\"\/personal-loan.html\" target=\"_blank\">apply for a personal loan<\/a>. The application process is simple and hassle-free and your application for a personal loan will be approved provided you meet the eligibility criteria and all the documents submitted are correct. 0.50% further concession on interest rates through 31 December 2023, and a processing fee waiver through 31 January 2024. "}},{"type":"header","data":{"text":"SBI Personal Loan Details","level":2}},{"type":"table","data":{"rows":[{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest Rate"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"<strong>11.45% p.a. onwards<\/strong> "}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Loan Amount"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Up to Rs.20 lakh"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum Income Required"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Rs.15,000"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Loan Tenure"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Up to 6 years"},"type":"paragraph"}]}]}]}},{"type":"paragraph","data":{"text":"Note: For Pension Loan, the repayment tenure can go up to 7 years."}}],"hungryForMore":[{"type":"header","data":{"text":"Types of SBI Personal Loan","level":2}},{"type":"header","data":{"text":"SBI XPress Credit","level":3}},{"type":"paragraph","data":{"text":"<strong>Key Highlights<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Low processing fees.","items":[]},{"content":"Maximum loan amount of up to Rs.20 lakh.","items":[]},{"content":"Lowest interest rate offered is between <strong>11.45% p.a. and 14.60% p.a.<\/strong>","items":[]}]}},{"type":"header","data":{"text":"SBI Pension Loan","level":3}},{"type":"paragraph","data":{"text":"<strong>Key Highlights<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Quick disbursal of loan amount.","items":[]},{"content":"Low processing fees","items":[]},{"content":"Minimal documentation required.","items":[]}]}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest Rate"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Loan Amount"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"<strong>11.60% p.a. to 12.10% p.a.<\/strong> "}}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"At the discretion of the bank"},"type":"paragraph"}]}]}]}},{"type":"image","data":{"float":"no-float","lazy":true,"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_svg_89051&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_svg_89051","src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg","title":"Free Credit Score Check Now","alt":"Free Credit Score Check Now","width":230,"height":50}},{"type":"header","data":{"text":"SBI Pre-approved Personal Loans","level":3}},{"type":"paragraph","data":{"text":"<strong>Key Highlights<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The loan will be instantly processed.","items":[]},{"content":"Low processing fee.","items":[]},{"content":"The interest rate will be low and affordable and starts at <strong>13.80%<\/strong>. ","items":[]}]}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest Rate"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Loan Amount"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"<strong>From 14.10% p.a. to 14.60% p.a.<\/strong> "}}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"At the discretion of the bank"},"type":"paragraph"}]}]}]}},{"type":"header","data":{"text":"SBI PAPL (Pre-Approved Personal Loan)","level":3}},{"type":"paragraph","data":{"text":"You can get instant personal loans at any time with SBI Pre-Approved Personal Loans (PAPL). Use the YONO app to avail this loan at the comfort of your home. The service is available 24*7. However, note that only the bank can determine who all are eligible for this loan. To check your eligibility, you can SMS \"PAPL  \" to 567676."}},{"type":"image","data":{"float":"no-float","lazy":true,"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_svg_89051&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_svg_89051","src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg","title":"Free Credit Score Check Now","alt":"Free Credit Score Check Now","width":230,"height":50}},{"type":"header","data":{"text":"SBI Personal Loan Interest Rate","level":2}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Schemes"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest Rates"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"XPRESS CREDIT- NON-PERMANENT EMPLOYEES (NPES)"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"<strong>11.45% p.a. to 14.60% p.a.<\/strong>"}}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Pension Loan (including PAPNL-Pre-Approved pension Loans)"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"<strong>11.60% p.a. onwards<\/strong>"}}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"SBI Quick Personal loan Through CLP portal"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"N\/A"}}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Xpress Elite Scheme"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"<strong>11.45% p.a. to 11.95% p.a.<\/strong>"}}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Xpress 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p.m. "},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Real-Time Xpress Credit "},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"0.75% of the loan amount "},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"- "},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"2% p.m. "},"type":"paragraph"}]}]}]}},{"type":"paragraph","data":{"text":"*3% will be levied on the prepaid amount if the borrower makes a part or full pre-payment and closes the loan account before the completion of the loan term"}},{"type":"header","data":{"text":"SBI Personal Loan Eligibility","level":2}},{"type":"paragraph","data":{"text":"The eligibility criteria that prospective borrowers will have to meet to avail a personal loan from State Bank of India are as 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A family pensioner is the spouse of a pensioner who is allowed to obtain pension when the pensioner dies.","items":[]},{"content":"The pensioner, as well as, the family pensioner's age should not be above 76 years.","items":[]},{"content":"For pensioners whose pension is disbursed by government treasuries, the concerned pensioner will need to give a mandate to the treasury to make the pension payment to the particular bank branch.","items":[]},{"content":"A defence pensioner can be any pensioner of the armed forces.","items":[]}]}},{"type":"header","data":{"text":"Eligibility for SBI Pre-Approved Personal Loan","level":3}},{"type":"paragraph","data":{"text":"To know whether you are eligible for a pre-approved loan from SBI, send an SMS in this format - \"PAPL  to 567676."}},{"type":"header","data":{"text":"Eligibility for SBI Quick Personal Loan","level":3}},{"type":"paragraph","data":{"text":"The eligibility criteria you will have to fulfil in order to avail this personal loan scheme are:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"You must have a salary account with another bank.","items":[]},{"content":"The minimum and maximum age of eligibility for this scheme are 21 years and 58 years respectively.","items":[]},{"content":"You must have a minimum work experience of 1 year.","items":[]},{"content":"You must be drawing a minimum monthly income of Rs.15,000.","items":[]}]}},{"type":"header","data":{"text":"Documents Required to Apply for SBI Personal Loan","level":2}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Photograph"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Passport size (2 copies)"},"type":"paragraph"}]}]},{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Identity Proof"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<a href=\"\/pan-card.html\" target=\"_blank\">PAN card<\/a>\/Voter ID\/<a href=\"https:\/\/www.bankbazaar.com\/driving-licence.html\" target=\"_blank\">Driving License<\/a>\/Passport"},"type":"paragraph"}]}]},{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Address Proof"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Landline bill\/Electricity bill\/<a href=\"https:\/\/www.bankbazaar.com\/ration-card.html\" target=\"_blank\">Ration card<\/a>\/<a href=\"https:\/\/www.bankbazaar.com\/voter-id.html\" target=\"_blank\">Voter ID<\/a>\/Passport"},"type":"paragraph"}]}]},{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Income Proof"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Latest salary slip\/Form 16\/last 6 months account statement audited\/ITR return for last 2 years"},"type":"paragraph"}]}]},{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Other (related documents)"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Check-off letter from employer"},"type":"paragraph"}]}]}]}},{"type":"image","data":{"float":"no-float","lazy":true,"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_svg_89051&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_svg_89051","src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg","title":"Free Credit Score Check Now","alt":"Free Credit Score Check Now","width":230,"height":50}},{"type":"header","data":{"text":"How the EMI Calculation Works for SBI Personal Loans?","level":2}},{"type":"paragraph","data":{"text":"Consider a scenario where a person earning Rs.40,000 per month takes a personal loan of Rs.1 lakh under the SBI Xpress Credit personal loan scheme. The bank charges an interest rate of <strong>11.45% p.a.<\/strong> on the loan amount. For a loan repayment tenure of 1 year, he must pay an EMI amount of <strong>Rs.8,859<\/strong> every month. His loan repayment schedule is given as follows:"}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Year "},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Principal Paid(A) "},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest Paid(B) "},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Total Payment (A+B) "},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Outstanding Loan 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Your Credit Score for FREE"}},{"type":"header","data":{"text":"SBI Personal Loan Comparison with other Lenders","level":2}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Banks"}}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"SBI Personal Loan"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"HDFC Bank Personal Loan"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Axis Bank"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Citibank Personal Loan"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest rate"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"<strong>11.45% p.a. onwards<\/strong> "}}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"<strong>10.85% p.a. onwards<\/strong>"}}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"<strong>11.25% p.a. onwards<\/strong>"}}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"At the discretion of the bank"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Processing fee"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Up to 1.5% + GST"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Up to 4999"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Up to 2% of the loan amount"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Up to 3% of the loan amount"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Foreclosure charges"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"3% of the outstanding loan amount"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"2% to 4% of the outstanding loan amount"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"2% -5%"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Up to 4% of the outstanding principal amount"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Late payment fee"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"2% of the overdue amount"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"2% of the overdue amount"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"2% of the overdue amount per month"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"No late payment charges"},"type":"paragraph"}]}]}]}},{"type":"references","data":{"items":[{"items":[{"text":"Axis Bank Personal Loan","link":"\/axis-personal-loan.html"},{"text":"HDFC Personal Loan","link":"\/hdfc-personal-loan.html"},{"text":"ICICI Bank Personal Loan","link":"\/icici-personal-loan.html"},{"text":"Bank of Maharashtra Personal loan","link":"\/bank-of-maharashtra-personal-loan.html"},{"text":"City Union Bank Personal Loan","link":"\/city-union-bank-personal-loan.html"},{"text":"Deutsche Bank Personal Loan\r\n","link":"\/deutsche-bank-personal-loan.html"},{"text":"Dhanlaxmi Bank Personal Loan\r\n","link":"\/dhanalakshmi-bank-personal-loan.html"},{"text":"Federal Bank Personal Loan","link":"\/federal-bank-personal-loan.html"},{"text":"Indian Bank Personal Loan","link":"\/indian-bank-personal-loan.html"},{"text":"IDBI Personal Loan","link":"\/idbi-personal-loan.html"},{"text":"IndusInd Bank Personal Loan\r\n","link":"\/indusind-personal-loan.html"},{"text":"Canara Bank Personal Loan","link":"\/canara-bank-personal-loan.html"},{"text":"Karnataka Bank Personal Loan\r\n","link":"\/karnataka-bank-personal-loan.html"},{"text":"KVB Personal Loan\r\n","link":"\/karur-vysya-bank-personal-loan.html"},{"text":"Jammu and Kashmir Bank Personal loan","link":"\/jammu-kashmir-bank-personal-loan.html"},{"text":"PSB Personal Loan","link":"\/punjab-and-sind-bank-personal-loan.html"},{"text":"Punjab National Bank (PNB) Personal Loan","link":"\/punjab-national-bank-personal-loan.html"},{"text":"Bank of Baroda Personal Loan","link":"\/bank-of-baroda-personal-loan.html"},{"text":"Kotak Mahindra Bank Personal Loan","link":"\/kotak-personal-loan.html"},{"text":"IDFC Bank Personal Loan","link":"\/idfc-bank-personal-loan.html"},{"text":"Yes Bank Personal Loan","link":"\/yes-bank-personal-loan.html"},{"text":"Union Bank Personal Loan","link":"\/union-bank-personal-loan.html"},{"text":"Abhyudaya Bank Personal Loan","link":"\/personal-loan\/abhyudaya-bank-personal-loan.html"},{"text":"HSBC Personal Loan\r\n","link":"\/hsbc-personal-loan.html"},{"text":"IIFL Personal Loan","link":"\/iifl-personal-loan.html"},{"text":"HDBFS Personal Loan","link":"\/hdbfs-personal-loan.html"},{"text":"IOB Personal Loan","link":"\/iob-personal-loan.html"},{"text":"DBS Bank Personal Loan","link":"\/dbs-bank-personal-loan.html"},{"text":"DSA Loan Agent\r\n","link":"\/personal-loan\/dsa-loan.html"},{"text":"Prime Minister\u2019s Employment Generation Programme (PMEGP)","link":"\/personal-loan\/pmegp-loan.html"},{"text":"Ujjivan Bank Personal Loan","link":"\/ujjivan-personal-loan.html"},{"text":"Bandhan Bank Personal Loan","link":"\/bandhan-bank-personal-loan.html"},{"text":"UCO Personal Loan","link":"\/uco-personal-loan.html"},{"text":"BOI Personal Loan","link":"\/bank-of-india-personal-loan.html"},{"text":"Citibank Personal Loan","link":"\/citibank-personal-loan.html"},{"text":"Central Bank of India Personal Loan","link":"\/central-bank-of-india-personal-loan.html"},{"text":"Nainital Bank Personal Loan","link":"\/nainital-bank-personal-loan.html"},{"text":"South Indian Bank Personal Loan\r\n","link":"\/south-indian-bank-personal-loan.html"},{"text":"Standard Chartered Personal Loan","link":"\/standard-chartered-personal-loan.html"},{"text":"Syndicate Bank Personal Loan","link":"\/syndicate-bank-personal-loan.html"},{"text":"RBL Bank Personal Loan","link":"\/rbl-bank-personal-loan.html"}],"title":"Personal Loan Offered by other Banks in India"}]}},{"type":"jumbotron","data":{"title":"Relevant SBI Personal Loan Pages","elements":[{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/sbi-personal-loan-interest-rates.html\" target=\"_blank\">SBI Personal Loan Interest Rates<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/sbi-personal-loan-customer-care-number.html\" target=\"_blank\">SBI Personal Loan Customer Care Number<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/personal-loan\/sbi-xpress-credit-loan.html\" target=\"_blank\">SBI Xpress Credit Loan<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/sbi-personal-loan-emi-calculator.html\" target=\"_blank\">SBI Personal Loan EMI Calculator<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/personal-loan\/sbi-personal-loan-for-pensioners.html\" target=\"_blank\">SBI Personal Loan for Pensioners<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/sbi-personal-loan-balance-transfer.html\" target=\"_blank\">SBI Personal Loan Balance Transfer<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/sbi-kavach-personal-loan.html\" target=\"_blank\">SBI Kavach Personal Loan<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/sbi-personal-loan-status.html\" target=\"_blank\">SBI Personal Loan Status<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/sbi-personal-loan-preclosure.html\" target=\"_blank\">SBI Personal Loan Preclosure<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/personal-loan\/sbi-saral-personal-loan.html\" target=\"_blank\">SBI Saral Personal Loan<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/sbi-personal-loan-eligibility-calculator.html\" target=\"_blank\">SBI Personal Loan Eligibility Calculator<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/personal-loan\/sbi-loan-moratorium.html\" target=\"_blank\">SBI Personal Loan COVID-19 Moratorium<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/personal-loan\/sbi-rent-plus-loan.html\" target=\"_blank\">SBI Rent Plus Loan<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/personal-loan\/sbi-career-loan.html\" target=\"_blank\">SBI Career Loan<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/personal-loan\/sbi-xpress-bandhan-loan.html\" target=\"_blank\">SBI Xpress Bandhan Loan<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/personal-loan\/sbi-sme-loans.html\" target=\"_blank\">SBI SME Loans<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/personal-loan\/sbi-festival-loan.html\" target=\"_blank\">SBI Festival Loan<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/personal-loan\/sbi-loan-against-shares.html\" target=\"_blank\">SBI Loan Against Shares<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/personal-loan\/sbi-saral-personal-loan.html\" target=\"_blank\">SBI Saral Personal Loan<\/a>"}},{"type":"paragraph","data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/personal-loan\/sbi-loan-against-property.html\" target=\"_blank\">SBI Loan Against Property<\/a>"}}]}},{"type":"cta","data":{"linkText":"Know Your Credit Score for FREE","link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLFAQ_BUTTON&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLFAQ_BUTTON"}}],"metaTitle":"SBI Personal Loan @11.45% Interest Rate - Loan up to \u20B9.20 lakh","hideUserReviews":true,"id":89051,"showUpdatedOn":true,"hideOfferTable":true,"breadCrumb":{"currentPageText":"SBI Personal Loan","otherLinks":[{"link":"\/personal-loan.html","text":"Personal Loan"}]},"faqs":{"items":[{"answer":[{"data":{"text":"Employees of corporates can apply for the SBI Pension Loan, the Xpress Credit Personal Loan, or the Xpress Bandhan Personal Loan provided they meet the eligibility criteria. Keep in mind that you will need to have a salary account with the lender to apply for the Xpress Credit Personal Loan."},"type":"paragraph"}],"question":"What are the different types of SBI personal loans offered to employees of corporates?"},{"answer":[{"data":{"text":"Once the entire outstanding loan amount becomes zero, your liability for your SBI personal loan will be removed."},"type":"paragraph"}],"question":"If I take a personal loan from SBI, when will my liability to the bank come to an end?"},{"answer":[{"data":{"text":"You can repay your SBI Personal Loan via EMIs through the ECS facility or through Standing Instruction."},"type":"paragraph"}],"question":"What are the options to repay my SBI Personal loan?"},{"answer":[{"data":{"text":"Yes, you can prepay your SBI Personal Loan. The bank charges prepayment penalty for certain personal loan schemes. You can find out more about this charge when you apply for the loan."},"type":"paragraph"}],"question":"Can I prepay my SBI Personal Loan and will I need to pay any additional charge on the prepayment of this loan?"},{"answer":[{"data":{"text":"The 5 main types of SBI personal loan products include: SBI Xpress Credit Personal Loan, SBI Pension Loan, SBI Pre-approved Loans, and SBI Quick Personal Loan."},"type":"paragraph"}],"question":"What are the personal loan products offered by SBI?"},{"answer":[{"data":{"text":"The minimum loan amount for SBI loan for central and state government pensioners is Rs.25,000."},"type":"paragraph"}],"question":"What is the minimum loan amount for SBI loan for central and state government pensioners?"},{"answer":[{"data":{"text":"A personal loan borrower can reach out to SBI for support by making use of any of the customer care numbers or email addresses. The customer can also write an email to the grievance cell of SBI or visit any SBI branch for assistance."},"type":"paragraph"}],"question":"How can a personal loan borrower get in touch with SBI if he or she has any queries?"},{"answer":[{"data":{"text":"All SBI personal loans are typically provided for a period of up to 60 months. However, depending on the scheme, the repayment tenure may also go up to 84 months."},"type":"paragraph"}],"question":"Could you tell me the general loan tenure for SBI personal loans?"},{"answer":[{"data":{"text":"SBI offers personal loans to individuals with incomes as low as Rs.5,000. However, this amount might vary depending on the scheme applied for."},"type":"paragraph"}],"question":"What should be my income to secure a personal loan from State Bank of India?"},{"answer":[{"data":{"text":"No, the lender does not require you to have a guarantor. However, before applying for the loan, you should ensure that you meet the eligibility criteria specified by the lender."},"type":"paragraph"}],"question":"Do I need to have a guarantor to apply for the Xpress Credit Personal Loan from State Bank of India?"},{"answer":[{"data":{"text":"Yes, you can apply for an SBI personal loan during Covid-19 pandemic by visiting the official website of the bank and applying for a personal loan. The bank also recently said that it also plans to offer pre-approved loans to its customers which one can apply through the bank's digital banking solution YONO. Applying online for an SBI personal loan will not only make the application process fast and hassle-free but will also allow you to maintain the required social distancing norms laid down by the Government of India. However, now the Personal Loan Scheme has been discontinued. "},"type":"paragraph"}],"question":"Can I apply for an SBI Personal Loan during Covid-19 pandemic?"}],"title":"FAQs on SBI Personal Loan"},"h1Title":"SBI Personal Loan","bank":{"id":"96","name":"STATE BANK OF INDIA","displayName":"SBI"},"metaKeyword":"sbi personal loan, personal loan sbi","updatedOn":"23 Nov 2024","hideEligForm":true}; var staticOfferFeaturesJson = []; var personalizedOffersJson = {}; var commodityJSON = {}; var footerJson = {"learnMore":[{"label":"Credit Cards","link":"https:\/\/blog.bankbazaar.com\/category\/credit-cards\/"},{"label":"Credit Card Offers","link":"https:\/\/blog.bankbazaar.com\/yes-bank-bankbazaar-finbooster-credit-card\/"},{"label":"Investments","link":"https:\/\/blog.bankbazaar.com\/category\/investment\/"},{"label":"Money Management","link":"https:\/\/blog.bankbazaar.com\/category\/money-management\/"}],"others":[{"label":"Car Loan","link":"\/car-loan.html"},{"label":"Income Tax","link":"\/tax.html"},{"label":"Bank IFSC Code","link":"\/ifsc-code.html"},{"label":"Gold Rate","link":"\/gold-rate-india.html"},{"label":"Indian Holidays","link":"\/indian-holiday-calendar.html"},{"label":"Visa","link":"\/visa.html"}],"exploreMore":[{"label":"Credit Cards","link":"\/credit-card.html"},{"label":"Insurance","link":"\/insurance.html"},{"label":"Saving Schemes","link":"\/saving-schemes.html"},{"label":"Aspiration Index 2023","link":"\/aspiration-index-2023.html"}],"collections":[{"label":"Credit Card","links":[{"label":"Compare Credit Cards","link":"\/credit-card.html"},{"label":"YES BANK BankBazaar FinBooster Credit Card","link":"\/credit-card\/finbooster-yes-bank-bankbazaar-co-branded-credit-card.html"},{"label":"RBL Bank BankBazaar SaveMax Credit Card","link":"\/credit-card\/rbl-bank-bankbazaar-savemax-credit-card.html"},{"label":"SBI Credit Card","link":"\/sbi-credit-card.html"},{"label":"Lifetime Free Credit Card","link":"\/credit-card\/credit-cards-without-annual-fee-charges-in-india.html"},{"label":"Top 10 Credit Cards","link":"\/credit-card\/top-10-credit-cards-in-india.html"},{"label":"Co-Branded Credit Cards","link":"\/credit-card\/best-co-branded-credit-cards-in-india.html"}]},{"label":"Credit Score","links":[{"label":"Credit Score","link":"\/credit-score.html"},{"label":"Experian","link":"\/experian.html"},{"label":"CIBIL Score","link":"\/cibil\/cibil-credit-score.html"},{"label":"CIBIL Report","link":"\/cibil\/cibil-credit-report.html"},{"label":"CIBIL Score Calculation","link":"\/cibil\/cibil-score-calculation.html"},{"label":"How to Improve Credit Score","link":"\/cibil\/how-to-improve-cibil-credit-score.html"},{"label":"How to Monitor Credit Score","link":"\/cibil\/credit-monitoring.html"}]},{"label":"Personal Loan","links":[{"label":"Compare Personal Loans","link":"\/personal-loan.html"},{"label":"SBI Personal Loan","link":"\/sbi-personal-loan.html"},{"label":"HDFC Personal Loan","link":"\/hdfc-personal-loan.html"},{"label":"Axis Personal Loan","link":"\/axis-personal-loan.html"},{"label":"Personal Loan Eligibility","link":"\/personal-loan-eligibility.html"},{"label":"Personal Loan Interest Rates","link":"\/personal-loan-interest-rate.html"},{"label":"Instant Loans","link":"\/personal-loan\/instant-loans.html"}]},{"label":"Home Loan","links":[{"label":"Compare Home Loans","link":"\/home-loan.html"},{"label":"SBI Home Loan","link":"\/sbi-home-loan.html"},{"label":"HDFC Home Loan","link":"\/hdfc-home-loan.html"},{"label":"Axis Home Loan","link":"\/axis-home-loan.html"},{"label":"Home Loan Interest Rates","link":"\/home-loan-interest-rate.html"},{"label":"Home Loan Eligibility","link":"\/home-loan-eligibility.html"},{"label":"Current Repo Rate 2023","link":"\/home-loan\/repo-rate.html"}]},{"label":"Fixed Deposit","links":[{"label":"SBI Fixed Deposit","link":"\/fixed-deposit\/sbi-fixed-deposit.html"},{"label":"HDFC Fixed Deposit","link":"\/fixed-deposit\/hdfc-fixed-deposit.html"},{"label":"Axis Fixed Deposit","link":"\/fixed-deposit\/axis-fixed-deposit.html"},{"label":"Post Office Fixed Deposit","link":"\/fixed-deposit\/post-office-fixed-deposit-rate.html"},{"label":"Senior Citizen Fixed Deposit","link":"\/fixed-deposit\/senior-citizen-fixed-deposit.html"},{"label":"5 Years FD Interest Rates","link":"\/fixed-deposit\/5years-fd-interest-rates.html"},{"label":"Monthly Income FD Schemes","link":"\/fixed-deposit\/monthly-income-scheme.html"}]},{"label":"Calculator","links":[{"label":"All Finance Calculators","link":"\/calculators.html"},{"label":"Home Loan Calculator","link":"\/home-loan\/emi-calculator.html"},{"label":"Personal Loan EMI Calculator","link":"\/personal-loan\/emi-calculator.html"},{"label":"Car Loan EMI Calculator","link":"\/car-loan\/emi-calculator.html"},{"label":"FD Calculator","link":"\/fixed-deposit\/fd-calculator.html"},{"label":"RD Calculator","link":"\/recurring-deposit\/rd-interest-calculator.html"},{"label":"EMI Calculator","link":"\/finance-tools\/emi-calculator.html"}]}]}; 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"DESKTOP" : global.getDeviceType(), productType: productTypeShortName, sector: "INDIA", accessMode: global.getAccessMode().toUpperCase(), stage: global.isProd() ? "prod" :"dev", funnel: global.getFunnel().toUpperCase(), geolocationEnabled: global.isGeolocationEnabled(), apiKeys: getApiKeys(), clickStreamServiceURL: $("#clickServiceURL").val(), esfEnabled : global.isShortEligFlowEnabled(), slidesRemovalFlowEnabled : global.isSlideRemovalFlowEnabled(), introSlideConfig : introSlideConfig, categoryType: categoryType, namespace: getNamespace(), minHeaderHeight: ctPageTitleBannerDetails.minHeaderHeight || 0 }; }, launchView: function() { var context = this.getAdditionalParams(); var config = {}; if(pageJson) { config = pageJson } var gaCategory = getGACategoryName(); const pagesJSON = { pages: JSON.stringify(config) } BB_trackGoogleEventWithLabel(gaCategory, "BEFORE_INIT", context.namespace); if (context && context["namespace"].indexOf("dnd") != -1) { var handler = new wc.pages.DndPageHandler(); handler.launchApp(pagesJSON, context, "react-hfm-placeholder"); } else if (["IFSC", "CAR_GARAGE", "HOSPITAL"].indexOf(context.categoryType) >= 0) { var handler = new wc.pages.InstitutePageHandler(); handler.launchApp(pagesJSON, context, "react-hfm-placeholder"); } else { pagesJSON["offers"] = { "personalized": JSON.stringify(personalizedOffersJson), "static": JSON.stringify(staticOfferFeaturesJson) }; pagesJSON["commodity"] = JSON.stringify(commodityJSON); wc.pages.launchApp(pagesJSON, context, "react-hfm-placeholder"); } wc.appshell.launchFooterApp(JSON.stringify(footerJson || {}), appShellContext, "react-footer-placeholder"); } }; function launchApp() { invokeAfterAjaxCall(function() { if (!window.hasCopiedHiddenVariablesToBody) { copyAjaxContentResponseToBody(); } new ReactLandingPageAdapter().launchView(); }); } launchApp(); </script> <script id="_webengage_script_tag" type="text/javascript"> function initializeWebEngage() { ! function(w, e, b, n, g) { function o(e, t) { e[t[t.length - 1]] = function() { r.__queue.push([t.join("."), arguments]) } } var i, s, r = w[b], z = " ", l = "init options track screen onReady".split(z), a = "feedback survey notification".split(z), c = "options render clear abort".split(z), p = "Open Close Submit Complete View Click".split(z), u = "identify login logout setAttribute".split(z); if (!r || !r.__v) { for (w[b] = r = { __queue: [], __v: "6.0", user: {} }, i = 0; i < l.length; i++) o(r, [l[i]]); for (i = 0; i < a.length; i++) { for (r[a[i]] = {}, s = 0; s < c.length; s++) o(r[a[i]], [a[i], c[s]]); for (s = 0; s < p.length; s++) o(r[a[i]], [a[i], "on" + p[s]]) } for (i = 0; i < u.length; i++) o(r.user, ["user", u[i]]); setTimeout(function() { var f = e.createElement("script"), d = e.getElementById("_webengage_script_tag"); f.type = "text/javascript", f.async = !0, f.src = ("https:" == e.location.protocol ? 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